Insurer profile
ERGO Reiseversicherung AG (formerly ERV - Europaeische Reiseversicherung AG)
ERGO Reiseversicherung AG is a German specialist travel insurer, part of ERGO Group and ultimately owned by Munich Re; it sells travel insurance products such as trip cancellation, travel health and travel-package insurance across more than 20 countries, including to residents of Austria on a freedom-of-services basis.
Source- Legal entity
- ERGO Reiseversicherung AG (formerly ERV - Europaeische Reiseversicherung AG)
- Headquarters
- Munich, Germany
- Parent group
- ERGO Group AG (Munich Re)
- Regulator
- Federal Financial Supervisory Authority (BaFin, Germany) as home-state supervisor; the Austrian Financial Market Authority (FMA) lists the company's cross-border licences for the Austrian market
- Phone
- +49 89 4166-00
- contact@ergo-reiseversicherung.de
- Founded
- 1907
- Last verified
- Aug 30, 2026
Products from ERGO Reiseversicherung AG (formerly ERV - Europaeische Reiseversicherung AG)
travel
Trip Cancellation Insurance
Covers cancellation costs when a trip cannot be taken, for example due to sudden serious illness shortly before departure.
travel
Travel Health / Overseas Medical Insurance
Covers worldwide medical treatment costs, medical repatriation and 24-hour assistance, available as a single-trip or annual policy.
travel
Annual Travel Insurance
Provides cover for all trips taken within a year, including cancellation, curtailment, illness and baggage loss or damage.
travel
Annual Trip Cancellation Insurance
Protects the travel budget for an unlimited number of trips within a year in case of cancellation or curtailment, with cover up to 20,000 euro per year.
travel
RundumSorglos Comprehensive Travel Package
Bundled package combining trip cancellation/curtailment, overseas medical and baggage insurance for comprehensive travel protection.
travel
Long-term Trip Cancellation Insurance
Covers cancellation and curtailment costs including study or tuition fees up to 20,000 euro for people staying abroad temporarily for up to 24 months.
travel
Long-term Overseas Medical Insurance
Medical insurance for extended stays abroad such as students, au-pairs, work and travel or sabbaticals, including a round-the-clock emergency call centre.
travel
Germany / Domestic Travel Protection
Cancellation and comprehensive protection package for domestic trips, covering holiday apartments, hotels, travel and excursions.
travel
RundumSorglos Domestic Protection Package
Domestic package covering cancellation costs, medical repatriation, search and rescue costs and baggage for holidays taken at home.
travel
Incoming Complete Protection for visitors
Comprehensive cover for guests and visitors from abroad, combining medical treatment, repatriation, personal liability and accident insurance during a stay in Germany or Schengen host countries.
travel
Business Travel Insurance
Travel cover for company employees on business trips, including medical costs and repatriation.
travel
Business Travel Insurance CarePlus
Extended business travel cover for small and medium enterprises against delay, crisis, accident, liability and cancellation risks, including hospital daily allowance.
motor
Camping / CDW Excess Reduction Insurance
Reduces the deductible on rented motorhomes or caravans in case of accident, theft, vandalism or natural hazards.
travel
Baggage Insurance
Insures the replacement value of carried luggage worldwide against loss or damage, with or without a deductible, for trips up to 365 days.
other
Event Ticket Insurance
Reimburses the cost of pre-booked event tickets, such as concerts, if the holder cannot attend for an insured reason such as illness.
other
Seminar Insurance
Travel insurance tailored to attendees of seminars and training events.
travel
Cruise Insurance
Specialised travel protection for cruise holidays.
travel
Group Travel Insurance
Travel cover designed for groups travelling together, such as clubs or associations.
travel
Student / Au-Pair Insurance
Medical and travel cover designed for students and au-pairs staying abroad.
travel
School Trip Insurance
Travel insurance package designed for school class trips and pupil exchanges.
travel
Erasmus / Erasmus+ Travel Protection
Travel medical and cancellation cover tailored to Erasmus and Erasmus+ exchange students.
travel
Volunteering Travel Insurance
Travel health cover for people carrying out volunteer work abroad.
travel
Workation Overseas Medical Insurance
Medical cover for people combining remote work with an extended stay abroad, known as workation.
travel
Digital Nomad / Freelancer / Sabbatical Insurance
Medical and travel cover designed for digital nomads, freelancers and people on a sabbatical abroad.
motor
Rental Car Deductible Insurance
Covers the deductible charged by rental car companies in the event of damage to a hired vehicle.
travel
Hiking and Mountain Sports Insurance
Specialised cover for hiking and mountain sport related travel risks such as rescue and recovery costs.
travel
Yacht Charter Insurance
Travel and liability cover tailored to yacht charter holidays.
liability
Drone Insurance
Liability cover for damage caused by the use of drones while travelling.
Regulatory updates
ERGO Reiseversicherung AG operates in Austria under EU freedom-of-services rules rather than through a local subsidiary. The Austrian FMA's company database lists concessions for 'ERGO Reiseversicherung AG, Hauptniederlassung Deutschland' covering insurance classes such as miscellaneous financial loss and land-vehicle liability limited to carrier liability. Separately, BaFin has continued to approve expansions of the group's cross-border travel-insurance business from other EU branches, most recently from its Spanish branch in 2025.